80304 — Boulder County, Colorado Market Snapshot
Housing market data for zip code 80304 in Boulder County, Colorado. Updated monthly with median prices, days on market, and more.
Market Sales Data
83 sales in 2026 (year to date)
Median Sale Price
$1,614,680
Days to Sell
52
Homes Sold
83
Inventory
153
Sale-to-List
97.8%
New Listings
144
Price/SqFt
$644
Pending Sales
111
Jumbo Loan Likely Needed
The median home in 80304 at $1,614,680 exceeds the 2026 conforming loan limit of $879,750 by $734,930. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
80304's market is balanced with homes taking an average of 52 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 80304 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 80304 at $1,614,680 exceeds the 2026 conforming loan limit of $879,750 by $734,930. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 80304 are set at the county level.
2026 Loan Limits — Boulder County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $879,750 | $879,750 |
| 2 Units | $1,126,250 | $1,126,250 |
| 3 Units | $1,361,350 | $1,361,350 |
| 4 Units | $1,691,850 | $1,691,850 |
Affordability Snapshot — Zip 80304
To purchase the median home at $1,614,680 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $12,521.
Monthly Payment
$12,521
Income Required
$536,621
Principal & Interest
$9,949/mo
Down Payment (5%)
$80,734
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 80304.
Estimated Monthly Payment
$10,143
Jumbo loan required. Loan amount exceeds the $879,750 conforming limit for 80304.
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